THE LIFEIFY PROCESS
Our 3-step process is straightforward and effective in helping you take control of your credit and improve your financial health.
Why It Works?
Our process isn’t just about removing negative items—it’s about putting you back in control of your financial future. With expert guidance, smart strategies, and consistent follow-up, Lifeify gives you the best path to lasting credit health.
Simple steps. Real results. A stronger financial future starts here.
STEP 01
Review & Strategy
We start by pulling your credit reports from Experian, Equifax, and TransUnion Our experts carefully review them with you to:
Spot negative or questionable items hurting your score.
Explain how credit scoring works in plain language.
Give you a clear action plan to start improving.
You’ll know exactly where you stand and what needs to change.
STEP 02
Dispute & Repair
Once we’ve identified the problem areas, our team goes to work. We challenge inaccurate, outdated, or unverified items directly with the credit bureaus. Every dispute is customized to your unique situation, giving you the best chance of removal.
Errors and unfair items are disputed immediately
Updates are tracked with each bureau. The process repeats until your reports are accurate.
We do the heavy lifting so your credit can finally work in your favor.
STEP 03
Track & Improve
By law, bureaus have 30 days to respond to disputes. Within about 60 days, you’ll start receiving updated reports showing which items have been corrected or removed.
We track all changes and send you regular progress updates.
You’ll see steady improvements with each cycle Fewer negatives = stronger score = better financial opportunities.
With every update, you’re closer to approvals, lower rates, and new possibilities.
Frequently Asked Questions
How long does credit repair take?
Every case is different, but most clients start seeing results within 30–90 days. The timeline depends on the number and type of items being disputed.
Will my score go up?
We cannot guarantee specific score increases, but removing inaccurate or outdated items almost always results in a stronger, healthier credit profile.
Do you dispute all three credit bureaus?
Yes! We work with Experian, Equifax, and TransUnion to ensure your credit reports are accurate across the board.
What types of negative items can you dispute?
We challenge inaccurate, unverified, or outdated items, including late payments, collections, charge-offs, repossessions, bankruptcies, and more.
Do I have to do anything during the process?
Yes, but it’s simple: forward us any updates you receive from the credit bureaus so we can track your progress and keep disputes moving.
Will removing negative items help me qualify for loans or credit cards?
Absolutely. Improving your credit health increases your chances of qualifying for mortgages, auto loans, credit cards, and better interest rates.
Is credit repair legal?
Yes! Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or unverifiable information on your credit report.
What if the bureaus don’t respond?
By law, bureaus must investigate disputes within 30 days. If they fail to respond, the item must be removed.
Do you offer credit education too?
Yes, our process isn’t just about removing negatives—we also help you build healthy credit habits for lasting results.
Can I cancel anytime?
Yes, our service is month-to-month, and you can cancel at any time without penalties.